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Credit Union SA

Every product Credit Union SA publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 5 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
  • Australian credit licence and AFS licence 241066, held by Credit Union SA Ltd; credit licence since 1 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetCredit Union SA hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

49 products in 5 categories

  1. Home loans26
  2. Personal loans10
  3. Savings & transaction accounts9
  4. Credit cards3
  5. Term deposits1

Credit Union SA's rates today

Credit Union SA's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where Credit Union SA sits among every institution's best

Credit Union SA 6.34%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateCredit Union SABest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.34%40 Year Home Loan Package5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.24%3-Year Fixed 40 Year Home Loan Package6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met3.75%Bonus Savings Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.30%Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans7.94%Online-only Special Fixed Rate Personal Loan5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers11.49%Workplace Benefits Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions

Credit Union SA home loan repayments

Repayments at Credit Union SA's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. Variable40 Year Home Loan Package
    6.34%6.71% comparison
    $3,729a month

    $742,618 in interest, $1,342,618 repaid in all

  2. 1-year fixed1-Year Fixed Home Loan Package Principal and Interest
    6.79%6.93% comparison
    $3,908a month

    $806,720 in interest, $1,406,720 repaid in all

  3. 2-year fixed2-Year Fixed Home Loan Package Principal and Interest
    6.34%6.86% comparison
    $3,729a month

    $742,618 in interest, $1,342,618 repaid in all

  4. 3-year fixed3-Year Fixed Home Loan Package Principal and Interest
    6.24%6.82% comparison
    $3,690a month

    $728,545 in interest, $1,328,545 repaid in all

  5. Investor variableVariable Home Loan Package Specials
    6.54%6.90% comparison
    $3,808a month

    $770,954 in interest, $1,370,954 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Credit Union SA's own calculator: confirm the rate with Credit Union SA before you apply.

Credit Union SA home loan rates

Compare across banks

26 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.34%, with a comparison rate of 6.71%, on its 40 Year Home Loan Package: 39th lowest of 104 lenders, level with 10 others.

Credit Union SA savings and transaction account rates

Compare across banks

9 products

Its highest savings rate is up to 3.75% (0.01% base plus a 3.74% bonus when its conditions are met), on its Bonus Savings Account: 52nd highest of 84 institutions, level with one other.

Credit Union SA term deposit rates

Compare across banks

1 product

Its highest 12-month term deposit rate is 5.30%, on its Term Deposit: 28th highest of 65 institutions, level with 14 others.

RateCredit Union SABest anywhereTypical institution
3-month term depositBest rate for 3 months3.00%Term Deposit5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.30%Term Deposit5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.30%Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years2.90%Term Deposit5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions
3-year term depositBest rate for 3 years2.90%Term Deposit5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions
5-year term depositBest rate for 5 years2.90%Term Deposit5.65%Judo Bank's Personal Term Deposits4.00%of 27 institutions

Credit Union SA credit card rates

Compare across banks

3 products

Its lowest credit card purchase rate is 11.49%, on its Workplace Benefits Credit Card: 12th lowest of 51 card issuers, level with one other.

Credit Union SA personal loan rates

Compare across banks

10 products

Its lowest advertised personal loan rate is 7.94% fixed, with a comparison rate of 8.43%, on its Online-only Special Fixed Rate Personal Loan: 50th lowest of 69 lenders, level with one other.

Rate changes since 18 Sept 2026How every lender responded

Has Credit Union SA passed on the RBA's November 2026 rate rise?

Credit Union SA hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

It has lifted 1 savings rate since, typically by 0.25 percentage points.

  1. Thu 5 Nov

    • Credit Union SA lifted 1 savings rate by 0.25 percentage points.

      0.25

    • Credit Union SA lifted 1 term deposit rate by 0.30 percentage points.

      0.30

  2. Fri 23 Oct

    • Credit Union SA lifted 1 savings rate by 0.15 percentage points.

      0.15

  3. Wed 21 Oct

  4. Fri 16 Oct

  5. Wed 14 Oct

  6. Fri 9 Oct

  7. Fri 18 Sep

Published by Credit Union SA under the Consumer Data Right, last changed by them on 5 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.